Lanefan
Victoria Rules
Assuming, of course, that your players and-or their characters give a damn about the villagers, or the duchy dwellers, or anything else that doesn't get 'em rich quick. They're more likely to want to defeat the Dark Lord so they can take his stuff.It's perfectly possible to have a tense game where the threat of death just isn't on the table, barring a player choosing that for themself. I'd prefer the tension to come from the threat of failure - if the Dark Lich isn't defeated quickly, the duchy will fall under his rule, and hundreds will die! The kidnapped villagers will be sacrificed at the witching hour - you must stop the cultists before it's too late! Et cetera.

Perhaps that's our difference, then: to me, D&D is at its roots an exploration-based game, be it on the large (let's explore this world) or small (what's behind that door?) scale.High lethality can work - it's a great fit for Exploration-focused games, post-apocalyptic settings, and humorous games - but it only does for certain genres and tones, and those are usually the ones I'm not looking to play. :/
Lan-"and there's something wrong if it doesn't have some humour now and then as well"-efan